<?xml version="1.0"?>
<!-- Copyright 2003 XBRL International Inc.  See www.xbrl.org/legal.  All Rights Reserved. -->
<xbrl xmlns="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase"
	xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:my="http://mycompany.com/xbrl/taxonomy"
	xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
	xsi:schemaLocation="
      http://www.xbrl.org/2003/instance http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd
      http://mycompany.com/xbrl/taxonomy SegmentValid.xsd">
	<link:schemaRef xlink:href="SegmentValid.xsd" xlink:type="simple"/>
	<context id="c1">
		<entity>
			<identifier scheme="www.dnb.com">121064880</identifier>
			<segment>
				<my:stateProvince>MI</my:stateProvince>
			</segment>
		</entity>
		<period>
			<instant>2002-12-01</instant>
		</period>
		<scenario>
			<my:stateProvince>MI</my:stateProvince>
		</scenario>
	</context>
	<unit id="ratio">
		<measure>pure</measure>
	</unit>
	<my:unemploymentRate contextRef="c1" unitRef="ratio" decimals="2">.07</my:unemploymentRate>
	<my:rateContainer>
		<my:unemploymentRate contextRef="c1" unitRef="ratio" decimals="2">.08</my:unemploymentRate>
		<my:unemploymentRate contextRef="c1" unitRef="ratio" decimals="2">.09</my:unemploymentRate>
	</my:rateContainer>
</xbrl>
